If you're a new Coast Central member, your New Accounts Representative will automatically enroll your accounts for online banking. Just enter your member number in the login box here on coastccu.org, check the "First Time Login" box, and click "GO." The system will walk you through the steps to set up your online banking access.

If you're an existing Coast Central member but have never signed on to online banking, just use the "New User Enrollment" (Personal or Business) link within the online banking login box. The system will ask you a few questions to verify your identity, then walk you through the steps to set up your online banking account.

Once you've switched to the new system, you can choose either a one-step or two-step login process. If you register your browser/computer, all you'll need to enter for each login is your Login ID and password. If you choose not to (or are unable to) register your browser/software, you'll enter your Login ID and password, then verify a Secure Access Code each time. This verification step significantly helps to verify your identity if you frequently share your computer with others.

During your first login, your Login ID will be your member number. You can always update this to a Login ID of your choice once logged in by going to Preferences > Manage Users.

If someone on your account has already accessed online banking, they may have set you up with your own personal Login ID and password. Please be sure to check with any other joint members on your account to see if this is the case.

Yes! While your regular member number and password can be shared amongst all account owners for online banking login, you can actually set up unique login information for each person, making Login IDs and passwords much easier to remember.

Just go to Preferences > Manage Users within online banking to get started. Here, you can set up new Login IDs and passwords - then go to Preferences > User Rights to customize what accounts they can access and what transactions they can perform.

The first accountholder to log in to Coast Central Online has these administrative privileges, but any new users created with that account may or may not have the same rights. Read on in the below section, "Adding Users & Combining Accounts," for more detailed information.

A Secure Access Code is a 6-digit code that we send to you (via email, phone, or SMS text message) to verify your identity. If you're comfortable logging in without this step, you're welcome to register your browser/computer and avoid it in the future, but it is provided by default for your security.

The FFIEC (Federal Financial Institutions Examinations Council) requires all financial institutions to use multi-factor authentication - meaning more than one way of verifying a user's identity - when logging in to online banking. As financial fraud increases worldwide, these regulations grow more complex, and our online banking system features the very latest in identity verification technology. More and more sites are beginning to utilize Secure Access Codes or similar methods that require use of one of your contact methods (phone/text/email), because they go beyond passwords or security questions, which can sometimes be guessed or discovered by unauthorized parties.

If you frequently use the same passwords for multiple websites, tend to write your passwords down where they may be found if your home/office were to be broken into, or if someone sees you entering your password, your account security can be compromised - sometimes even without your knowledge. Secure Access Codes take your security one step further by using contact information on your account to ensure the person entering your password is actually you.

No. If you generally use the same computer(s) all the time and feel comfortable, you can register these browsers/computers to skip this step in the future. From that point on, you will only need to enter your Login ID and password for each login.

You may find that if you frequently delete your cookies, the Secure Access Code step will come back up. This is because registering your browser involves storing a cookie to "remember" you each time you use that browser. Deleting your cookies will cause your browser to "forget" you until it's recreated (by registering your browser again).

When finished, always click on the "Sign Off" button in the upper left hand corner of your Online Banking. This completely and safely closes your Online Banking session. You can also clear your browser's cookies for further protection, which will require a secure access code for the next login.

When you first log in, your contact information will be pulled in from Coast Central's system. If for some reason your mobile number has been entered as a "home" or "work" number, it will not be immediately available to send SMS/text notifications to.

You can easily update this information after your first login by going to Preferences > Security. These settings control where your Secure Access Codes (and any other optional online security alerts you may set up) are delivered. Adding your mobile number here as a SMS/text message option will enable this option for your Secure Access Codes and alerts.

Please note that updating your contact information with the credit union (in person or over the phone), or making updates online under your regular contact information screen, will not affect your Secure Access Code delivery options. These settings are managed separately from your general contact information.

You can update these options anytime (once logged in) under Preferences > Security. This screen allows you to customize which email addresses, phone numbers, and SMS (text message) numbers are available for Secure Access Code delivery, as well as other optional security alerts you may choose to set up.

Please note that updating your contact information with the credit union (in person or over the phone), or making updates online under your regular contact information screen, will not affect your Secure Access Code delivery options. These settings are managed separately from your general contact information.

Usually your Secure Access Code will arrive (via email, automated phone call, or text message) within seconds. If you find yourself still waiting after a minute or two, you may want to go back to coastccu.org to start the login process over and select another contact method. Sometimes (such as in the case of work numbers that require extensions) an automated phone call may be unsuccessful; occasionally there may be a problem or delay with your mobile service provider. The best thing to do is to try another method, then customize your Secure Access Code delivery options (see above) once logged in.

Browser registration is made possible by adding a security certificate or "cookie" associated with your particular computer and internet browser program. Cookies enable the online banking system to "remember" you so it knows to skip the Secure Access Code step. If you frequently delete your cookies, or decide to start using another browser (i.e. Firefox instead of Internet Explorer), you will find that you need to re-register that browser. So long as you enable cookies, do not frequently delete them, and use the same browser software, registering your browser should disable the Secure Access Code step.

You can generally check or update your browser's cookie settings (depending upon which software you use) under a Tools, Settings or Preferences menu. Make sure there is no setting to frequently delete cookies, or if you'd prefer, most browsers will allow you to enable cookies for certain sites only. If you add coastccu.org as an approved site, this will enable cookie storage for Coast Central only, allowing you to continue deleting cookies as you wish for any others.

Yes. Although cookies are needed in order to "remember" you in online banking (which is what allows you to skip the Secure Access Code step), it is actually your browser and not your entire computer that you register for future use. This means if you use more than one browser software program, you can customize your cookie settings differently in each one. Just download and install an alternate free browser program (i.e. Firefox, Google Chrome, Internet Explorer, or Safari - whichever software you don't currently use primarily) - you can ask that program to save cookies and use it for online banking only. This allows you to continue to delete cookies with your primary program as often as you normally would, but saves them only when you use the new program.

While having two different web browsers may take some getting used to, most members who delete cookies frequently have found this solution to be quite helpful. Most popular free browser programs are similar, equally easy to use, and use very little extra hard drive space/RAM on your computer.

Just enter your member number or Login ID in the online banking login box (anywhere on coastccu.org), check the Forgot Password box, and click GO. You will need to receive and verify a Secure Access Code (just like your first login), but you'll be prompted to create a new password afterward.

Online banking access is "locked" after three unsuccessful login attempts. This restriction will be automatically lifted after 18 hours, or you can also have a Coast Central Member Services Representative unlock it for you. Just call our Member Support Center at (707) 445-8801, or during evenings and weekends, you can visit our Bayshore Mall or McKinleyville Ray's locations to have your access restored.

If you're locked out because you forgot your password, just enter your member number or Login ID in the regular login box at coastccu.org. Check the "Forgot Password" box and click "GO." This will allow you to reset your password and restore your access to online banking.

Yes, but not currently through online banking. Just use the "Loans" drop-down menu anywhere on our website and locate the loan type you're interested in. There will be an "Apply Now!" section at the bottom of each one that allows you to send an electronic application to our Member Loan Services team.

Yes - as long as a parent or guardian co-signs on the account, minors may have full-function access to Coast Central Online. With no adult co-signer, minors may request "inquiry-only" access (so they may see balances and account activity, but not perform any transactions).

We use a number of technologies to protect your account. For example, we use industry-standard SSL encryption, to ensure that nobody can "listen in" on information that you provide to us (or that we provide to you). We also use multi-factor authentication as part of the login process, to ensure that only authorized people can log in to your account. Also, our password requirements make it very difficult for your password to be guessed. There are many more technologies that we use, and you are welcome to contact us if you have any specific concerns or questions.

While there are several laws governing computer fraud or abuse, 18 USC 1030 states that "intruders are accessing a private computer, and unauthorized access or use is not permitted, and it constitutes a crime punishible by law."

There are several things that you can do to protect your information. You can change your login ID if you are concerned about using your member number to log in. You can also change your password as often as you'd like. Finally, keeping your secure access code options up-to-date will ensure that you are the only one that can log in.

It's also important to ensure that the device that you are using to log in with is free from malware or viruses, as these are often able to steal your login information. While mobile malware isn't yet as common as viruses on a desktop computer, it does unfortunately exist and can steal your information as well.

If you suspect that someone may have unauthorized access to your account, there are several steps you can take. You should contact us by either coming in to an office or calling our support center. If you are still able to log in to your account, you can log in and change your password.

An online archive of your recent statements is available online under Services > E-Statements. You don't need to subscribe to E-Services notifications in order to view, save, or print your online statements. E-Services enable email and/or text message notifications about new statements, letters, or account alerts (and switch you to electronic delivery instead of paper).

Important: If you have multiple accounts that are linked together for online banking access (so you can log in with one Login ID but see more than one membership), please note that your statements lists and E-Services settings cannot be combined. If you need to view a list of statements, sign up for E-Services, or alter your E-Services settings, you will need to log in separately for your other accounts (for these functions only).

By default you will see the most recent 50 transactions for any account, but you can customize this for each of your accounts by going to Preferences > Accounts. You can choose account histories up to 18 months for each account.

Please note that if you select a longer account history, your transaction history pages may take slightly longer to load.

Yes. Any transaction that has only been authorized (such as "credit" transactions made with your Visa Debit Card), along with checks that are currently being held or any other pending transactions, will be displayed in your account's transaction history. Those that have not yet cleared will be listed in their proper order (pending debit card transactions will be labeled as "Authorized"). All pending transactions are subtracted from your "available balance" until they clear.

In any of your accounts' transaction history screens, you'll see a printer icon in the top right corner. You can also export your transactions by switching to "Export" mode (as opposed to "Display" mode) in that same upper area. Choose "Spreadsheet (xls) to export to Excel or another spreadsheet program, where you'll be able to open, manipulate, and save your transaction history as needed.

The new online system supports connectivity to both Quicken and QuickBooks software. You may connect either directly through your software (see your program's support documentation if you need help), or download your transactions via online banking and open the file with Quicken or QuickBooks.

Downloading your transactions is still done through individual accounts' history listings (double-click any account in your Account Overview to open recent history). In the top bar, above your transactions, click "Display" and change it to "Export to File" mode. You'll then be able to select your preferred file type and press "Submit" to download it. (Note that if you'd prefer to download more transactions, you can also update your settings to display history from further back. Just go to Preferences > Account.)

Yes! While you may need multiple member numbers for different purposes at the credit union, you can combine them for easy viewing in online banking as long as the signers on both accounts (including all sub-accounts) are the same. Please stop by any of our member services branches to fill out a quick and easy request form.

You'll be able to see all of your linked accounts within the Account Overview screen, and make easy transfers between them without having to set them up as regular Member-to-Member transfer accounts. However, please note that your statements list and E-Services settings cannot be combined - you'll still need to set up online banking access for your other accounts as well, if you need to access this information for them.

Although only limited information for RELN loans is viewable in your regular online transaction history, you can view more detailed information about transactions, taxes, escrow, and more by clicking on Mortgage Information link under Services.

You can sign up for our free E-Services package in online banking under Services > E-Services Setup. This will disable your paper statement delivery via postal mail and enable email notifications whenever you have a new statement or letter available from Coast Central. Once enrolled, you'll be able to set up different email addresses and mobile phone numbers (for text messages). You'll also have the ability to set up as many account alerts (about balances, payment due dates, and more) as you like!

You can transfer funds to another member - or an account you have under another member number - by going to Transactions > Member-to-Member Setup in your online banking menu. If you only need to make this transfer once, you may do so in that screen - or save it for repeated use if you like. Saved accounts will appear in your regular Transfer Funds screen (in addition to your own accounts), making future transfers quick and simple.

You can transfer funds to your accounts at another institution easily with Coast Central Online's Bill Pay system. Just open go to the Bill Payment link in your Transactions menu, then click "Transfer Money" in the top bar of the Bill Pay screen. You'll need to click "Add an Account" there first to begin setup - this will initiate two small test deposits to that external account, which generally show up within 1-2 business days (very similar to how PayPal account setup works, if you're familiar with that). Once you're able to see these two deposits, make a note of the amounts - you'll just need to enter them in your Bill Pay screen to verify your ownership of that account. After this information has been verified, your external account will be available for future Bill Pay transfers whenever you need it.

To transfer funds to others (or your own accounts) at external institutions, you can use our quick and easy Popmoney service (also within your Bill Pay screen) to initiate payments.

For transfers you make regularly like a child's allowance or special savings purposes, you can set up recurring transfers at the frequency of your choice. This function is available within the Transfer Funds screen, directly below your to/from and amount settings.

To make recurring transfers to another member number, you'll need to set up the other account for member-to-member transfers first (see above).

No. Setting your recurring/periodic transfers up online is recommended if you anticipate a need for future changes, because it saves you the time and trouble of having to visit or contact the credit union. Be sure to notify us when you do so in order to prevent duplicate payments. You're free to set up as many custom transfers as you like (and update them as needed)!

The majority of everyday Bill Pay transactions are free (including both electronic and check transactions). If you need to make an expedited (rushed) payment or use certain special services like Popmoney, you may incur a small charge for each transaction. Any fees will be disclosed within online banking before you are charged.

The greatest thing about Coast Central's Bill Pay is that it simplifies your bill payment experience. All of your major billers, and even your smallest ones, can be managed within one easy and secure screen. Instead of logging in with separate credentials to various utility and service provider websites, you can set up "e-bills" within Coast Central Online. View the same bills you'd see on your biller's website, and pay them all in just a few minutes' time!

Most major billers (i.e. PG&E, AT&T, credit card companies) allow e-bills and can receive quick electronic payments. Smaller companies and any individuals (i.e. a local mechanic or babysitter) can be easily included as well, but their payments will be sent in the form of a paper check.

Signing up for Bill Pay is as easy as clicking on the "Bill Payment" link in your online banking menu, entering some quick information, and submitting it. Setting up all your billers will take a few minutes, but will save you a lot more time in the long run. Add as many billers as you like, no matter how frequently you pay them - Coast Central Online will store their information for future use whenever you need it.

In most cases, yes! The date you select (for both electronic or check payments) is the date your payment is guaranteed to arrive, not the day it's sent out, so payments are always sent with enough time to meet your selected date. Bill Pay checks are still mailed just as quickly as they were with the old system - in fact, they're often even faster, and you can rest easy knowing that it's guaranteed. Should something happen to delay arrival or if your payee claims they haven't received your payment, contact us to file a dispute - we'll help you resolve the situation and cover up to $50.00 in any late fees you may incur.

Please note that in the case of certain check payments, the payee will receive the payment by your selected date, but may or may not immediately cash the check. Some check payments may take longer to clear, so be careful to make sure you keep enough funds in your account to cover your payments.

Yes. Certain smaller billers will actually be set up for check-only payments (this method is always used whenever electronic payment isn't possible). These check payments are now free!

If you previously used the "Check Withdrawal" feature in the previous system (to send a physical check to yourself), this option is still available in the new system as well (under Transactions > Express Check), but there is now a fee for this service.

E-bills are online versions of your bills, just like you'd receive on your biller's website or via email. They're available for most major billers, including utility companies, credit card companies, and large service providers. You're able to view, save, print, and pay e-bills for all of your payees within Coast Central online, eliminating the need to sort through emails and log into multiple websites. You can even set up automatic payment of your bills to save yourself even more time!

Payments are sent based on the timeframe needed for them to arrive on your selected payment date. The payment dates available may vary, depending on what type of payments your biller is able to accept.

Billers that are set up for electronic payment (most major companies and some smaller ones) can generally receive payments within 1-3 business days (around the same amount of time it usually takes for them to deduct payment from your account electronically when you pay through their site). Some companies can even receive same-day electronic payments! The date selector within Bill Pay will show you what options are available for each biller.

Smaller billers, or any that cannot receive electronic payments, will receive paper checks (sent via postal mail) so this can push available payment dates a little further out, but the payment date you select within Bill Pay is still guaranteed. Use the Bill Pay date selector to choose from available payment dates. If expedited payments are available, these will be shown as well (for an additional fee).

Popmoney payment timeframes are similar to those you send to electronic billers, but also depend on when your recipient accepts the funds. You're given the same kind of calendar to select a payment date, and funds can be sent up to one business day after you initiate the payment - as long as your recipient logs in to accept the funds that same day. For later payment date requests (more than one day), funds will arrive 1-3 business days after your recipient accepts the funds.

Depending upon a number of different factors, usually regarding the type(s) of payments your biller is able to receive, Bill Pay will automatically determine the best way to make your payment. This may be an electronic payment, a traditional check drawn on your account, or a cashier's check, all of which may clear from your account on different timeframes. Please be sure to note the total amount of the payments you authorize, and keep enough in your Bill Pay account to cover those transactions.

For those who have trouble keeping track of transactions that come out on a variable timeframe, a common and convenient solution is setting up a separate checking account just for bill payment purposes. Many of our members find it much easier to transfer the total amount of the payments they authorize into that special checking account, where they don't have to worry about other transactions complicating things and potentially causing overdrafts. You can stop by any of our member services branches to set up your Bill Pay checking account, and we'll be happy to update your Bill Pay settings for you.

Yes! If you're running a little late and need to be sure your payment arrives on time, there is an expedited payment option within Bill Pay. Please note that there is a fee for this service. When scheduling your payment, just pick the earliest day available - this will rush your payment and display the applicable fee amount.

If you ever experience an issue with your Bill Pay transactions, just give us a call. We can track and research your payment to help you find out what happened - and we'll help you make it right. If for some reason a payment ever doesn't arrive by your scheduled date, we will cover up to $50.00 in late charges on your behalf (if the error was through no fault of your own).

Popmoney is a "peer to peer" payment system (set up and managed within Coast Central's Bill Pay site) that allows you to pay friends and colleagues by sending a payment authorization to their email address or mobile number. They'll receive a notification, verify the transaction, and tell the system where to send the funds. They'll be transferred from your account to theirs just as quickly as an electronic Bill Pay transaction!

Please note that Popmoney is one of the few online services that charges a fee for use. A very small fee is charged for each transaction and will be disclosed to you before you complete your payment.

All you need to do in order to start using Coast Central Mobile is enable mobile (and/or text) banking access, which is set up in online banking under Preferences > Mobile. Just check the box next to Yes, enable my User ID and Password for use on my mobile device, then click the "Mobile Authorizations" tab at the top to set up your 4-digit mobile access code. (This code will not be required during mobile login, but you'll need it in order to transfer funds between accounts.) Click Submit to complete the setup process.

Once you've enabled your access, you'll be all set to use the Coast Central Mobile website (www.coastccu.org/mobile). If you choose to download one of our mobile apps, you will be able to log in there as well.

To enable text banking, you'll use the "Text Banking" tab at the top of that same preference screen in online banking (Preferences > Mobile). Click the circle next to "Yes, enable," review and agree to the terms and conditions, enter your mobile phone number and click Submit. You'll receive an automatic text message welcoming you to the service, while online banking takes you to the final step. Here you'll check next to each account you want to enable for text banking, and "nickname" each one on the right side. These nicknames (up to 4 characters each) are what you'll use when sending text messages to the system about those accounts.

Once this process is complete, you'll be able to start using text message commands immediately. For a list of available commands and further instructions, please see our Mobile Banking page.

There are four different ways to do your mobile banking, depending upon your preferences and what kind of device you use.

Mobile App: If you have an iPhone, iPad, or Android phone, you can download and install the Coast Central Mobile app (short for application), which is basically a small software program for your device. The app is a simplified, easy-to-use version of Coast Central Online with all of the basic information and functionality you'll need. Just search for Coast Central Credit Union in your phone's app store.Mobile Web: For any phone or device with an internet browser, Coast Central Mobile is available in a simplified website form via coastccu.org/mobile. Just go to this web address with your device, add it to your favorites/bookmarks if you like, and log in. You'll have access to the same information and functionality available with the mobile app.Text Banking: For all phone types, including non-"smartphones," text banking is a two-way communication between your phone and Coast Central's system. You text in short, basic commands and our system will text back the requested information. For a list of commands and more detailed instructions, please see our Mobile Banking page.Coast Central Online: If your device has a screen large enough screen to view and navigate our everyday online banking site (at coastccu.org), you can log in there through your mobile internet browser just like you would at your regular home or work computer. This will allow you to access Coast Central's full-function online banking website, including all of the settings that are excluded from the mobile web/app options.

The mobile app and web options include all of the basic information and functions you might need on-the-go: account balances, transaction history, simple transfers between accounts, a quick way to contact Coast Central via phone or secure email, and an ATM/member services branch locator.

Transfers may be made between internal accounts (those on the same member number or any others you have linked) or any other Coast Central accounts you have previously saved within online banking. No new external accounts may be added via the mobile app or web options, which protects you against fraudulent activity if your phone was ever lost, stolen, or used without your permission.

If you use the full, everyday version of the Coast Central Online website (through coastccu.org) via your phone, you'll have access to all of the same functionality and settings you're used to in online banking.

First, make sure you've enabled mobile access for your account (see above) within online banking. Using whichever method you prefer (mobile web or app), just enter your Coast Central member number (or Login ID, if you have one) and the same password you use to log in to online banking, then click "Log In." Do not enter your 4-digit mobile access code - this is used for additional security on account transfers only.

For text banking, no login is necessary. Enabling access on your account makes it information accessible (and internal transfers possible) via your mobile phone. You only need to send text messages to the Coast Central system at 226563 (BANKME) in order to receive information - see our Mobile Banking page for more information.

You can download the iPhone app by opening the App Store on your device and searching for Coast Central Credit Union. Android users can do the same using the Google Play Store (previously called the Android Marketplace).

Be sure to type in the full "Coast Central Credit Union" name, as abbreviations may give you many unrelated results and make the proper app difficult to find. Be sure to select the Coast Central Mobile app (look for the Coast Central logo), and not "Central Coast Federal Credit Union," which has a very similar name!

Your device should automatically install the app and walk you through the necessary steps.

Coast Central Online is accessible by any device with internet access and an internet browser. Most recent models of "smartphones" and computer tablets include these, and many more basic phone models do as well. (Be sure to check with your mobile service provider to be sure that internet data usage is included with your plan. If not, you may be charged additional fees for accessing the internet.)

If you use a more basic phone or prefer to keep things simple, you may prefer to use the Coast Central Mobile website (at coastccu.org/mobile), as it is a simplified version of online banking. For more advanced device users, viewing the full-function Coast Central Online interface (by logging in at coastccu.org) may not be a problem.

iPhone and Android phone users can use the downloadable Coast Central Mobile app as well.

If you have trouble logging in to Coast Central Mobile, first be sure that you've enabled mobile access for your account through online banking. (Note that enabling text banking does not necessarily mean you've enabled all of the features of mobile banking.) If you aren't sure, try logging in to Coast Central Online and enabling it again under Preferences > Mobile. Be sure the "Yes, enable..." box is checked, then set up your 4-digit mobile access code under the "Mobile Authorizations" tab. Click Submit to finalize the sign-up process.

Once this information has been submitted, Coast Central Mobile will accept your member number (or Login ID, if you have one) and regular online banking password. Do not use your 4-digit code during your initial login - this is used for additional security on account transfers only.

Be extremely careful when entering your online banking password with your device, as touch screens and smaller buttons tend to cause many unintentional errors. Be sure to pay extra attention to any capital letters, numbers, or symbols. Many phones and devices offer an option to show your passwords as you type them, which you can try enabling temporarily if you want to be absolutely sure you've entered the correct password.

If you are sure you're entering the correct member number/Login ID and online banking password and continue to experience difficulty, your account may be locked out if you've tried logging in three times unsuccessfully. This lock will be automatically removed after 18 hours, but for more timely assistance, please contact Member Support at (707) 445-8801.

While text banking inquiries are processed and responded to immediately by our system, the actual time between your inquiry and the response may vary depending upon your mobile service provider, the type of phone you're using, and your physical location.

The most common reason for text banking errors is when not all accounts have been enabled or nicknamed within online banking. Make sure that within your Mobile Preferences in online banking, in the "Text Accounts" tab, that each account you'd like to be able to access has a check-mark under "Enable." Each account also needs a nickname on the right side, under "Display Name." Make sure you're using these account nicknames when texting the system for balances or transfers, as it won't recognize the account types by any other name. Also be sure to include the proper command structure and spacing (as shown on our Mobile Banking page).

If you forget the additional security code you've set up for mobile banking access, but remember your online banking password, you can always log in to Coast Central Online and update it under Preferences > Mobile. Just select the "Mobile Authorizations" tab on that screen, enter the 4-digit code of your choice, and click Submit.

Yes. Within online banking, just go to Preferences > Account. Click the "Text Banking" tab at the top, and you'll see which accounts are currently enabled for text banking, as well as their nicknames. You may update the information on this screen, click Submit, and your changes will take effect immediately.

When you first install Coast Central Mobile, you may be asked to grant permission to utilize certain information on your mobile phone:

Your location: Used (if GPS functionality is enabled) to help you locate the nearest ATMs or member services branches, and provide directions.Network communication: Internet access is required in order for the app to communicate with Coast Central's servers and return information.Storage: The app may be installed (or uninstalled) from your phone/device or its memory card.Hardware controls: This includes access to your camera, for CheckFlash deposits.Services that cost you money: The app requires internet access and has the ability to place a phone call (to Coast Central) if requested. If data/call services are not included in your mobile service plan, you may be charged additional fees by your provider.System tools: The app, while in use, will prevent your phone from sleeping (which saves power).

Additional smartphone apps are anticipated in the future, but launch dates are not known at this time.

If you use a Blackberry or other unsupported phone/device, you should still be able to access Coast Central Mobile via your phone's mobile browser software. See above for a summary of the different access methods.

A mobile access code is a 4-digit code that adds an extra layer of security to mobile banking transfers (mobile web/app versions). In order to move funds between accounts, you will need to enter your code. If you haven't set yours up yet or are unsure of what it is, just go to Preferences > Mobile within online banking. Under the "Mobile Authorizations" tab, type in the code of your choice and click Submit.

Please note that when using text banking, no additional security code is required, so protecting your mobile phone (with a passcode or another method your phone offers) is of the utmost importance. If your phone is ever lost or stolen, please contact Coast Central (or log in to disable your text banking access) immediately.

Yes! If you log in via your phone's mobile browser (through coastccu.org), you'll go through the same login process as you would on your home or work computer, so it's every bit as secure. You may still choose to register your browser using this method, as long as your mobile browser can store cookies, but please note that this removes a valuable extra layer of security.

Using the Coast Central Mobile app or simplified mobile banking site (coastccu.org/mobile) allows you to set up a customized extra security code for mobile login only. If anyone were to find or steal your phone, they would have to go through an additional step in order to transfer between accounts. Mobile banking (using the app or mobile-specific site only) is limited as well to help protect you. New external transfers, wire transfers, and other outgoing transfer functionality is disabled (although any member-to-member accounts you've already set up will be available to transfer to). Also, if you are concerned about someone seeing your login id, you can uncheck the "remember me" box when logging in.

Text banking, although often the fastest and most convenient way to access your accounts, provides only limited information and internal transfer abilities only. Since login to online banking is not required, no funds are allowed to actually leave your account (in case your phone were ever accessed without your knowledge or permission). Available information is limited to what would ordinarily be shown on an ATM receipt (balances but no account numbers). Enabling only those accounts you know you will need to access via text is recommended, and requiring a password to unlock your phone's screen is a great way to safeguard your account(s).

Yes, but only one number may be used per Login ID. This means if you have joint members/signers that would also like text banking access on their own mobile number(s), you will need to add them as authorized users within online banking. This functionality is available by request (please stop by any of our locations to fill out a quick request form), and once applied to your account, you'll be able to control which accounts each new user can access (and in what ways).

Your new user(s) will need to log in with the separate Login ID you create for them, then enable text banking under Preferences > Mobile just like you would as the primary user. They'll decide which of the accounts they're authorized to use should be enabled, and what to nickname them as well (this will not conflict with the nicknames you use with your own primary login). Then they will be able to use text banking in accordance with the permissions you set up for them within online banking. Please note that this can take up to one business day to be set up for add-on users.

More information can be found in the FAQs about Adding Users & Combining Accounts below.

Each mobile number may currently only be associated with one online banking account at the credit union. If you need to access multiple accounts with the same signer information, please contact us about linking your accounts for easier access via online, mobile, and text banking.

Mobile transfers (via mobile web or the downloadable apps) are limited to accounts you have already set up within Coast Central Online. You can move funds between accounts under your member number, any accounts you have linked to that member number (see above FAQs for more information on linking), or other Coast Central members you've saved for future use. This limitation exists for your protection, so that if your phone/device is ever lost or stolen, any fraudulent activity will be limited (and easy to reverse) as well.

Text banking functionality is even more limited (to balance/history inquiries and internal transfers only), due to there being no extra authentication process required. If your phone were ever to be lost or stolen, and you had no screen lock/password in place to protect it, unauthorized parties would only be able to view balances and move funds between accounts on that same member number.

If you have a smartphone or tablet, you may choose to use it to log in to online banking at coastccu.org (just like you would on your home/work computer). This will require the full Coast Central Online login process (including verification of a Secure Access Code, unless you've already activated your mobile browser for future use), but you'll be able to access all of your ordinary online banking functions. Here, you can set up new external payees, access Bill Pay, and more.

Yes! If you have multiple member numbers with the same signer information linked together for easy viewing within online banking, these will be available to you in the mobile/text versions as well. (See the section below on Adding Users & Combining Accounts for more information on account linking.)

If you have set up external member-to-member transfer accounts (other people's accounts at Coast Central), you may transfer to these with the mobile web and app versions only. Text banking will only include linked accounts belonging to the same combination of signers.

If you can get online quickly, you can disable mobile and/or text banking access for your account(s) in just the same way as you first set it up, by going to Preferences > Mobile within online banking. Un-check the "enable my access" box(es) for each and submit. This will disable access through the mobile website and mobile app methods, so no one can log in to your account that way until you re-enable access.

You can also contact Member Support at (707) 445-8801 if your phone is ever lost or stolen - Coast Central staff can disable mobile access until you're ready to set it up again.

Remember that mobile and text banking is limited, so even if someone does gain unauthorized access to your phone, they can't see very much information, and they can't necessarily access your funds. With the mobile app and mobile-specific website, your account numbers are masked (not fully visible) and transfers can only be made to internal accounts or any external ones you have previously linked within online banking. With text banking, account numbers are not visible, and transfers can only be made internally (within accounts under that same member number). Unauthorized users may be able to see your balances, but would have no way of knowing your account number or of transferring funds to themselves or other unknown parties.

Yes. Just go into the same screen you used to enable your access - within online banking, under Preferences > Mobile. Un-check the box next to "Yes, enable my access" (under either "Mobile Enrollment" or "Text Banking," or both) and click Submit at the bottom of each screen. Login will be immediately disabled for your account via the mobile website (coastccu.org/mobile) and mobile app.

Please note that the "yes, enable" box is checked by default when you pull up the Mobile Enrollment screen, so if you go back in to check, it may appear as though access is still enabled. If you already un-checked the box and clicked Submit, you do not need to do it again - your account will still be disabled. You can verify this, if in doubt, by attempting to log in at coastccu.org/mobile (even from a regular computer) to see if it works. If your login information is rejected, you'll know mobile access has been successfully disabled.

Yes! This service is available by request for both personal and business memberships.

While you may need multiple member numbers for different purposes at the credit union, you can combine them for easy viewing in online banking as long as the signers on both accounts (including all sub-accounts) are the same. Please stop by any of our member services branches to fill out a quick and easy request form.

You'll be able to see all of your linked accounts within the Account Overview screen, and make easy transfers between them without having to set them up as regular Member-to-Member transfer accounts. However, please note that your statements list and E-Services settings cannot be combined - you'll still need to set up online banking access for your other accounts as well, if you need to access this information for them.

Once the ability to add users has been applied to your account, you can set up additional users (with customizable access levels) by going to Preferences > Manage Users in Coast Central Online. Follow the on-screen steps to request access for your joint member(s) or other authorized users. You can then manage which accounts they have access to, limit their activity, etc. under Preferences > User Rights.

New users added with this function will be asked to change their password the first time they log in to Coast Central Online.

The first member to log in to the new online system is automatically given these full administrative rights. This user can use their member number as their Login ID (or set up one of their choice), but any added users will need to use the specific Login IDs set up using the Manage Users tool.

You can add, remove, or edit access levels for users whenever you choose, but please do so with care. As stated in our online banking agreement, you are responsible for all transactions performed by users added to your account.

Yes. Once this ability has been applied to your account, you can set custom access levels for each new user to give them anywhere from full-function to view-only ("look but don't touch") permission on your account(s). These access levels can be customized as needed, and you can view/monitor activity under Transactions > Online Activity. Permission customization for users can be managed under Preferences > User Rights (after you have set your new users up under Manage Users). There are four tabs in this screen: Accounts, Transactions, Limits, and Other. Select each one and personalize the user's access levels to your liking, then click Submit.

To apply full, equal access (such as a spouse) you may choose to enable all accounts and abilities. For other joint users (such as bookkeepers), you may want to limit their access, only allow them to draft (not approve) transactions, not allow them to create new user accounts of their own, etc. The choice is yours but remember that you are authorizing all transactions that these users perform on your account. As stated in our online banking agreement, you are responsible for all online banking activity done by yourself or any additional users you have set up.

While the first user to log in gets full administrative rights over user creation, all accounts, and maximum limits/permissions, they can set up additional users with the same or fewer capabilities. Under Preferences > User Rights in online banking (after setting up new users in Preferences > Manage Users), any user with user-creation rights can customize the following:

Accounts: Check boxes to indicate whether the user can view, deposit to, or withdraw from each account under your membership.Transactions: Check boxes to indicate whether the user can use Bill Pay, change your account address/contact information, reorder checks, transfer funds, send a check ("Express Check" to yourself), place stop payments, or perform wire transfers. Check the "draft" box on any activities that you want to be able to review and approve on your own. If you check "approve," that user will be able to approve (finalize) those transactions.Limits: For those activities above that you have allowed for a particular user, you can use this screen to enter custom limits on each. Decide how much you're willing to allow the user to transfer via wire, send a check ("Express Check" to yourself), or transfer funds between accounts. You can customize limit amounts per transaction, per day, per month, or per account per day. If you like, you can also specify the number of transfers in addition to the amounts allowed.Other: Select whether the user can also create their own users on your account (and customize permissions thereof) and/or manage recipients (within ACH, payroll, wire transfer screens, etc.)

If you find that you're unable to perform all available transaction types in online banking, someone who is joint on your account has probably customized your permission level and limited your access. The first member on an account to set up access to Coast Central Online is given administrative rights to create (and customize access for) other users on that account. Be sure to check with your joint members if you are unsure about how your account was set up.

Please note that some accounts are given "inquiry-only" online banking access - this includes some minor accounts and businesses. Please contact our Member Support Center if you're unsure about your access levels.

You can view a summary of all transactions that were initiated online under Transactions > Online Activity. If you've only allowed limited access for another user and their transactions require your approval, you'll also use the same screen to finalize (or cancel) their actions.

When other users initiate transactions that require your approval, you can review (and take action on) them under Transactions > Online Activity. All information about who intiated the transaction, how much it was for, and so on will be available here. Anything that is only "drafted" requires your approval via this screen before it will clear on your account.

The first member on any membership to log in to Coast Central Online is given two things: (1) the ability to use that member number as their Login ID and (2) administrative rights over users on that account.

Joint members may share login information (as with the previous online system), or the first user can set them up with personalized login information under Preferences > Manage Users. This tool allows for creation of multiple users with fully customizable permission levels.

The primary user on your online banking account selected your Login ID and password for you, so be sure to check with them first. If you've forgotten the password that was set up for you, just type in the Login ID in the regular online banking login box, check "Forgot Password," and click "GO." This will send you a Secure Access Code and walk you through the steps necessary to reset your password and set up your online banking access.

You can now send secure online messages to a number of different departments at Coast Central using the Services > Messages tool. Whereas email is not always a secure way to discuss confidential account concerns in depth, communicating through Coast Central Online is always secure because it requires your login information to send or receive information.

If you're unable to access your account or for some reason cannot send a secure message through online banking, there is also a secure Support Form on our website. Please note that while this form sends a secure message to Coast Central, staff may not be able to respond in the depth needed to help you via email. They may need to call you and verify information on your account in order to verify your identity (and to keep confidential account information out of the realm of email).

You can use the Preferences > Security section (under the "Alerts" tab) in Coast Central Online to manage your security settings, including contact method preferences for your Secure Access Codes and security alerts. These alerts can be set up for a wide variety of different events, including failed login attempts, changes to your online banking password, and much more. Set up as many as you like and decide where you want them sent, all within the Security Preferences tool.

Please note that your online banking security alerts and preferences are separate from your E-Services account alerts (if you have these set up). Your contact methods and alert preferences and managed separately in the Security Preferences screen, and any changes you wish to make to your regular "E-Alerts" must be made within the E-Services Setup screen.

By default, your account will be set to receive automatic security alerts whenever your Login ID or password is changed. If you choose, you can also set up alerts for any of the following online banking security-related events: When a new computer/browser is successfully registered When a new user is created for your account When a valid password for your Login ID is submitted When an invalid password for your Login ID is submitted When an invalid Secure Access Code is submitted When your Login ID is locked out When your Login ID is disabled When your security preferences are changed When your user profile is updated

Yes. While account "E-Alerts" (about your balances, upcoming payment due dates, etc.) are part of the E-Services package (and require switching to E-Services from paper statements), security alerts are part of online banking and are available to all users.

E-Services are FREE electronic notifications (as opposed to paper/postal ones) about new Coast Central statements, letters, and other correspondence. Signing up will stop paper delivery of these items and send you an email and/or text message (your choice) when you have something new to view.

As a convenient added benefit of the E-Services package, you'll also be able to set up an unlimited number of free E-Alerts, which are customizable notifications about your account activity. Decide what you'd like to receive updates about, where you'd like notifications sent, and how often - our system will keep you up to date according to your preferences! Options include balance levels for each account, upcoming loan payments, and even completely personalized general alerts (like birthdays and personal appointments).

When you're logged in to online banking, just go to Services > E-Services Setup. This screen you walk you through the steps necessary to enable E-Services for your account. First you'll need to provide your email address - we'll send an automatic notification that contains an activation link. Just click the link to activate your email address, and your statement delivery method will be updated. You'll then be free to set up and customize your E-Services as much as you like!

In most cases, activation emails will arrive within less than a minute. Sometimes, depending on your email/internet service provider, you may experience a bit of a delay. First be sure to check your "spam" or junk email folder (if you have one), to see if your email provider or program has automatically filtered it out. You can also choose to re-send your activation email at any time by going back to Services > E-Services Setup in online banking.

If you continue to experience trouble, please contact us. Our Member Support staff can check on your account to see where notifications are being sent (and whether they've been successful).

When you first sign up for E-Services, you'll see that "E-Statements" notifications are enabled by default. In addition, may choose to set up an unlimited number of the following for any your sub-accounts: Direct deposits received (above an amount of your choice) Automatic payments received (above an amount of your choice) Account balance above/below amount of your choice (frequency of your choice) Loan/mortgage payment upcoming (advance notice and frequency of your choice) Certificate maturing (advance notice and frequency of your choice) Checks cleared (above amounts of your choice or for specific check numbers)

E-Alerts are sent out within an hour of the account activity that triggers them, and usually arrive very quickly (within a minute or two) of being sent. Depending upon your email or mobile service provider, you may experience a bit of delay due to network problems on their end.

If you find that alerts are regularly delayed, you may check with your email or mobile service provider to see why things might be held up. If you are not receiving your alerts at all, please contact us at Coast Central - we'll be happy to help get to the bottom of the issue for you.

E-Alerts, including E-Statement and E-Letter notifications, are always kept as general as possible - secure login to online banking is required in order to view any sensitive account information. The only exceptions include alerts that you have specifically requested to include certain information, like balance notifications, what direct deposits you've received or payments are due, etc.

Since E-Statements and E-Letters are set to open up in new windows, your browser software program (i.e. Internet Explorer, Firefox) is most likely trying to prevent them with its built-in "pop-up blocker" settings. These prevent many unwanted pop-up advertisements, but frequently prevent many helpful windows from opening as well.

Check your browser's settings/options to adjust these settings to your liking. You can either enable pop-ups completely, or (in all programs except Safari) you can set an exception for Coast Central so that pop-up windows are enabled for that site only. Add *.coastccu.org (including the asterisk) as an exception/allowed site, then try loading your statement or letter again - everything should begin popping up as intended.

No. E-Services are merely the automatic email (and/or text message) notifications that your statements or letters are ready to view, and can include other optional alerts about your account if you so choose. Signing up for these services is not required in order to view your statement list within online banking - you can view and print copies any time. Only your letters and other account alerts will be unavailable to you online.

No - signing up for E-Services will switch your statement (and other credit union correspondence) delivery to email rather than paper/postal mail. You can switch between paper statements and E-Statements at any time, however, if needed. Just sign up or cancel your service using the "E-Services Setup" link within Coast Central Online.

You can update your E-Services email addresses and mobile numbers within the "E-Services Setup" section of Coast Central Online - just click the "Alert Addresses" button in the top navigation bar of that screen.

If you update only your primary email address, this will update any existing alerts you have set to go to that address. To update these existing alerts so they're sent to new mobile numbers or addresses, click the link in the "Delivery" column for that alert within E-Services Setup. You can customize each individual alert to go to any combination of numbers or addresses you like.

Unfortunately the only features that cannot be linked, when you are set up to view multiple memberships with one Login ID in online banking, are your statements list and your E-Services settings. Currently, you will need to log in to Coast Central online with those accounts' unique login information in order to view statements, sign up for E-Services, or manage your E-Services on any secondary (linked) accounts.